Q.Is your business profitable?

  Yes
  No, we are focusing on turnover
  We hope to be next year
  No, a long way off




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Author ProfileMatthew Nolan


Areas of Expertise

Finance


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Matthew Nolan is the managing director of Provident Inventory Finance and has over 17 years banking and finance experience.  Matthew has masters degrees in Applied Finance & Investment and Financial Planning.  He is currently completing his doctorate through Macquarie Graduate School of Management.

During his career, Matthew has been responsible for the establishment of a broad cross section of financial products, initially at major banks including Macquarie and ANZ, but more recently through the establishment of Provident Inventory Finance.

Matthew founded Provident Inventory Finance to provide loans to Australian SMEs for the acquisition of additional inventory. Through this, he helps other SMEs to grow, overcoming existing working capital constraints. What makes his product unique is that it’s done without the need for real estate security or pre-sales of the stock.

Matthew and his team have assisted many SMEs achieve their growth potential in virtually every industry, ranging from clothing and electrical goods to carpet and home wares.  Clients are averaging $1.18 million pa in sales of stock purchased using Inventory Finance, delivering them gross profit of almost $600k pa.

Matthew has also helped thousands of finance brokers that are SMEs themselves, educating brokers in ways to begin their foray into other lending products.  He’s well known in the finance industry as the leading advocate of broker diversification, assisting many to diversify away from home loans at a time when that market is experiencing a decline.

Matthew’s knowledge of small businesses, their management and finance is also second to none. His experience in launching this new product to SMEs has given him a unique insight into what it takes to succeed as an SMEs, and the challenges they face through finding funding that’s innovative enough to meet their needs. Matthew is currently using his knowledge to complete his doctorial thesis on small businesses, their working capital management and the accessibility of suitable finance and advice.

Since launching Provident Inventory Finance in September 2005, Matthew has been quoted in all major newspapers and finance publications, and is a highly sought after business advisor and speaker.  He has regular columns in many magazines and newspapers.  He has also addressed most major finance industry conferences and several recent trade conferences.

Matthew continues to proudly manage Provident Inventory Finance, guiding its growth as an SME, whilst retaining his focus on helping other SME’s to grow, remaining the only provider of inventory finance in Australia after almost two years.


Visit Matthew Nolan's website. 



Articles by this author

  • Financial growth options



    The trick to transitioning from a successful small operation into a medium or large business is being able to decide when it’s time to ask for advice.

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  • Best financial products for your business



    It’s much easier to secure finance today than it was twenty years ago, which I believe has been a big contributing factor to growth in the today’s thriving SME sector.

    Full Article
  • Know your credit report card



    Anyone who ever received a bad school report card will remember the growing feeling of dread as it’s handed over, and the desperate attempt to think of some plausible explanation for the poor grades.

    Full Article
  • Good debt vs bad debt



    Australian businesses are borrowing more than ever before. Whether it’s for bigger premises, new equipment or additional stock, loans to businesses increased 16% over the past year.

    Full Article
  • Cutting the cost of banking



    Bank fees are an often lamented fact of life for most business owners. Whether it’s because they’re considered too high, overly complicated or just unfair, the reality is that Australia’s “user pays” system of banking is here to stay.

    Full Article
  • Bridging the finance gap



    Even the most successful businesses can have problems managing their cashflow. This particularly holds true for those undergoing rapid expansion.

    Full Article
  • Planning a smooth financial transition



    Succession planning is essential for the smooth transition of ownership of any company.

    Full Article
  • Once in a lifetime opportunity



    Retirement is an impending and much anticipated change of life for many baby boomers over the coming decade or so. It will allow the fulfilment of dreams such as holidays, golf and spending time with the grandchildren.

    Full Article
  • Boost your business buying power



    How can potential business owners from generations X & Y increase their business buying power? The secret is two fold.

    Full Article
  • Business is a balancing act



    Most businesses strive to turn a profit – after all, that’s why most of us have taken the plunge and gone into business for ourselves! It can be hard going, and certainly a challenge.

    Full Article
  • Check out your financial report card



    Anyone who ever received a bad school report card will remember the growing feeling of dread as it’s handed over, and the desperate attempt to think of some plausible explanation for the poor grades.

    Full Article
  • For good advice, the price is right



    After investing countless hours of relentless effort, many SME owners are now grabbing the opportunity to push the boundaries of their businesses and take the next step into bigger operations.

    Full Article
  • Making your business case to financiers



    To successfully get financiers fighting to provide you with loans, you need to help them overcome their basic fear - that they may not get their money back. With the right presentation and information, this is easier than it often appears.

    Full Article
  • Reading beyond the loan small print



    The greatest challenge is not so much the process of securing finance but arriving at a choice of the right product with the best features for your business’ needs.

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  • The best investment is yourself



    Simply put, the best investment advice I ever got was to invest some of my savings each year in improving my knowledge and skills through education, attending suitable seminars, and even buying magazines and books.

    Full Article
  • The start-up myth busters



    Nine out of 10 new businesses go bust in their first year … right? We’ve all heard this urban myth for years, but for Australian small businesses it couldn’t be further from the truth.

    Full Article
  • Regaining control of your time and money



    Better time management of finances means freeing up time for prospecting and winning new business; it also means more time to mentor staff and manage key accounts, and perhaps most importantly, spend time away from work with family and friends.

    Full Article
  • SWOT up on your finances



    One proven tool for self assessment and advancement is a SWOT analysis. SWOT stands for Strengths, Weaknesses, Opportunities and Threats, which when applied to your company’s financial position will enable you to make better financial decisions.

    Full Article
  • The benefits of knowing your bank manager



    When you run a small business, banking needs to be done person to person, not between faceless organisations. A personal relationship with your bank manager can potentially open up a world of opportunities:

    Full Article
  • Better business budgeting



    Traditional budgeting is dead and its passing couldn’t come soon enough for most small business owners. At the start of the new financial year, Provident Cashflow’s Matthew Nolan shares how to budget successfully in today’s business environment.

    Full Article
  • Tips for selling your business



    Thinking about selling your business? Before you start talking figures with potential buyers, or handing over the keys, you need to consider a number of things, such as timing, market value and tax implications.

    Full Article
  • Don't talk yourself into a recession



    No one wants to lose valued staff, customers, suppliers and financial backers. But buying into exaggerated hype about current market conditions could inadvertently do exactly that to your business.

    Full Article
  • What does the future hold for your business?



    Want to know what the future holds for your business? A crystal ball may not be much use, but why not contact a “Futurist”, who are researchers that track current trends and use them to predict the future...

    Full Article
  • Steps to keep your financing options open



    A record number of businesses today are having trouble meeting loan repayments. If this includes your business,you need to take action urgently to minimise the chances of becoming an unnecessary victim of the current downturn.

    Full Article
  • How to make a client for life



    Brokers across Australia are finding rising numbers of clients are having trouble meeting their loan repayments. If this includes some of your clients, it is a great opportunity to assist and solidify them as a client for life.

    Full Article
  • Are you ready to capitalise on the economic swing?



    We all took action to protect our businesses as the downturn hit. Now it’s just as important to quickly reverse our business management strategies to take advantage of improving economic conditions.

    Full Article
  • The good, the bad and the ugly



    The recent announcement by the Commonwealth Government that they will introduce comprehensive credit reporting has huge implications for every small business.

    Full Article

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